California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada

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1 Non- Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in Nevada, your network of hospitals and doctors is the National BlueCard network. Participants who use a Contract physician, hospital, or other provider will pay the least for services. Individual: $250* Family: $750* Does not apply to hearing exam, hearing aids, hospice, and prescription drugs. If you use a physician or other Provider who is not in the Contract Provider Network, you are using a Non-Contract (or Non-Contracting) Provider. Participants who use a Non-Contracting physician, hospital, or other provider; will pay more for services. Individual: $500* Family: $1,500* Does not apply to hearing exam, hearing aids, hospice, and prescription drugs. In addition, balance billing and excluded services do not count toward either deductible. Participants must go to a Health Plan of Nevada provider and each family member may choose a different primary physician Not Applicable Lifetime Maximum $1,000,000 $1,000,000 Not Applicable Annual Out-Of-Pocket Maximum Individual: $2,000 Family: $6,000 Certain expenses do not count towards the Outof-Pocket Maximum. For more information, see your Summary Plan Description. None Your out-of-pocket expenses for services received at Non-Contract Providers are unlimited. Not Applicable Contract Rate & Allowable Charges Contract Rate: The amount that the Provider has agreed by contract to accept for the services provided. Allowable Charges: For Non-Contract Providers, the Allowable Charge is the lesser of the charge billed by the Provider or the maximum amount the Board of Trustees has determined is an appropriate payment for the service(s) rendered. Not Applicable For Non-Contract Providers, the Plan generally pays 60% of the Allowable Charges. You are generally responsible for 40% of the Allowable Charges plus any charges over the Plan s Allowable Charge. NOTE: Providers charges are often higher than the Plan s Allowable Charge. You are responsible for any charges above the Plan s Allowable Charge. 1 ǀ Page

2 Non- Pre-Authorization & Pre-Certification Requirements Description/Definition of Co-payment & Co-insurance Emergency Room and ER Physicians Charges Certain services and procedures require pre-authorization from Pacific Health Alliance ( PHA ) or from Anthem. If you fail to obtain pre-authorization or pre-certification when it is required, the Plan s payment percentage will be reduced by 10%, and you will be responsible for an additional 10% coinsurance. Inpatient hospitalization (except for emergencies and childbirth) requires pre-certification by Anthem (800) Outpatient surgeries and procedures, and various other services, require preauthorization from PHA (855) See the Evidence of Coverage booklet provided by. Co-payments are fixed dollar amounts (for example, $20) you pay for covered health care, usually when you receive the service. Co-insurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. 80% of Contract Rate 60% of Allowed Charges 100% after a $75 co-payment (waived if admitted) Emergency Ground Ambulance 80% of Contract Rate; 80% of Allowed Charges; 100% after a $50 co-payment Urgent Care 80% of Contract Rate; ; 100% after a $15 co-payment Skilled Nursing Facility * Not subject to the Out-of-Pocket Maximum. 45% of Contract Rate up to 55 days per disability and admission must occur after a 5-day or more inpatient hospital stay; patient must be admitted to the SNF within 7-days of the hospital discharge; * 35% of Allowable Charges up to 55 days per disability and admission must occur after a 5-day or more inpatient hospital stay; patient must be admitted to the SNF within 7-days of the hospital discharge; * $100 co-payment per day up to a maximum co-payment of $200 per admission and up to 100 days per calendar year Home Health Care 80% of Contract Rate Deductible Applies Deductible Applies Physician: 100% after a Private Duty Nurse: no co-payment and requires pre-authorization Inpatient Hospital (including Physician Services) To Pre-Certify your hospital stay, call Anthem Blue Cross at (800) % of Contract Rate Pre-certification by Anthem Blue Cross required. Pre-certification by Anthem Blue Cross required. $100 co-payment per day up to a maximum co-payment of $200 per admission Physician: $100 co-payment per surgery Anesthesia: $150 co-payment per surgery 2 ǀ Page

3 Non- Physician Office Visits 80% of Contract Rate; 60% of Allowed Charges; 100% after a $10 co-payment Physician Home Visits 80% of Contract Rate; 60% of Allowed Charges; 100% after a X-ray and Lab Services 80% of Contract Rate; 60% of Allowed Charges; Routine: Podiatry Exam 80% of Contract Rate; 60% of Allowed Charges; 100% after a $10 co-payment; prior authorization required Orthotic Appliances Chiropractic and Acupuncture Services 80% of Contract Rate up to a maximum benefit of $2,000 per calendar year* * The $2,000 maximum is a combined annual limit for all contract and non-contract chiropractic and acupuncture services. up to a maximum benefit of $2,000 per calendar year* * The $2,000 maximum is a combined annual limit for all contract and non-contract chiropractic and acupuncture services. $500 per device up to a maximum lifetime benefit of $10,000 Chiropractic: 100% after a $10 co-payment Prior authorization is required Acupuncture: Outpatient Surgery (Facility Fee) 80% of Contract Rate; Pre-authorization required by calling Pacific Health Alliance (PHA) Care Counseling service at (855) Maximum benefit of $350 per day; You are responsible for any charges in excess of the Plan s maximum payment of $350 per day. 100% after a $50 co-payment per surgery for facility 100% after a $50 physician surgical services Anesthesia: $150 per surgery Pre-authorization required by calling Pacific Health Alliance (PHA) Care Counseling service at (855) Physician/Surgeon Fee for Outpatient Surgery 80% of Contract Rate; Pre-authorization by PHA required. ; Pre-authorization by PHA required. 100% after a $50 co-payment per surgery for facility 100% after a $50 physician surgical services Anesthesia: $150 per surgery 3 ǀ Page

4 Non- Complex Imaging (MRI, PET & CT scans) 80% of Contract Rate; ; 100% after a $40 co-payment (PET Scan $750 per test) Physical Therapy & Respiratory Therapy, Combined Speech Therapy & Occupational Therapy, Combined Medical Supplies, Orthopedic Braces, Prosthetic Appliances 80% of Contract Rate up to a maximum benefit of $2,000 per calendar year Pre-authorization by PHA required. Only covered if the case manager determines that speech/occupational therapy is medically necessary 80% of Contract Rate Pre-authorization from PHA is required for equipment/ supplies costing over $500. up to a maximum benefit of $2,000 per calendar year Pre-authorization by PHA required. Only covered if the case manager determines that speech/occupational therapy is medically necessary Pre-authorization from PHA is required for equipment/ supplies costing over $ % after a $10 co-payment; Limitations apply All short term rehab is subject to a maximum benefit of 60 days / visits per member per calendar day 100% after a $10 co-payment Limitations apply DME: $100 or 50% of EME of purchase price or rental price whichever is less. Prosthetics & Orthotic Devices: $500 per device up to a maximum lifetime benefit of $10,000 including repairs Medical Supplies: No charge Chemotherapy/Radiation 80% of Contract Rate; ; $40 per day in addition to office visit co-pay Family Planning Infertility $40 co-payment / consultation only Vasectomy (reversal is not covered) 80% of Contract Rate; ; 100% (covered under preventive services) Tubal Ligation (reversal is not covered) 80% of Contract Rate; ; $100 co-payment for inpatient facility Elective Abortions 80% of Contract Rate; ; 4 ǀ Page

5 Non- Care for Allergies Office Visit 80% of Contract Rate; ; 100% after a $10 co-payment Testing 80% of Contract Rate; ; 100% after a $10 co-payment Treatment and Serum 80% of Contract Rate; ; 100% after a $10 co-payment Immunizations Covered under routine care and preventive healthcare Covered under routine care and preventive healthcare Hearing Care Exams 100% of Contract Rate up to a maximum benefit of $100 per calendar year* Deductible does not apply 100% of Allowable Charges up to a maximum benefit of $100 per calendar year Deductible does not apply 100% after a $10 co-payment Exam only Hearing Aids 100% of Allowed Amount (Allowed Amount is limited to $2,000 per device)*; limited to coverage once every three years from the date of last purchase** Deductible does not apply 100% of Allowed Amount (Allowed Amount is limited to $2,000 per device)*; limited to coverage once every three years from the date of last purchase** Deductible does not apply $100 or 50% of EME, whichever is less. Limited to a maximum benefit of $5,000 per member per calendar year & further limited to a single purchase, repairs & replacements limited to once every 3 years. *Charges applied to the $100 calendar year maximum are the combined total of PPO and Non-PPO charges for hearing exams *Charges applied to the $100 calendar year maximum are the combined total of PPO and Non-PPO charges for hearing exams ** Charges applied to the maximum Allowed Amount of $2,000 per device are the total of all contract and non-contract charges for hearing aid devices. **Charges applied to the $2,000 maximum are the combined total of PPO and Non-PPO charges for hearing aid devices. Hospice 100% of Contract Rate Limitations apply; refer to Plan SPD Deductible Does Not Apply 100% of Allowed Charges Limitations apply; refer to Plan SPD Deductible Does Not Apply Inpatient: $100 co-payment per day up to a maximum co-payment of $200 per admission for outpatient respite care up to a maximum benefit of $1,000 per calendar year 5 ǀ Page

6 Non- Routine Health Exams Preventative Health Care 80% of Contract Rate up to a maximum benefit of $300 per calendar year*; Deductible Applies 60% of Allowed Charges up to $300 per calendar year*; Deductible Applies 100% after a $10 co-payment No charge for preventive care *Charges applied to the $300 calendar year maximum are the combined total of PPO and Non- PPO charges for routine preventive health care. Charges for immunizations are included in routine preventive care *Charges applied to the $300 calendar year maximum are the combined total of PPO and Non- PPO charges for routine preventive health care. Charges for immunizations are included in routine preventive care Routine Female Care Examinations 80% of Contract Rate*; Deductible Applies 60% of Allowed Charges*; Deductible Applies 100% after a $10 co-payment diagnostic visit (Preventive Care Services) Pap Tests 80% of Contract Rate*; Deductible Applies 60% of Allowed Charges*; Deductible Applies (Preventive Care Services) Mammogram 80% of Contract Rate*; Deductible Applies 60% of Allowed Charges*; Deductible Applies (Preventive Care Services) * The combined maximum benefit for all PPO and Non-PPO charges for routine female care is limited to $300 per calendar year *The combined maximum benefit for all PPO and Non-PPO charges for routine female care is limited to $300 per calendar year Well Baby/Child Care 80% of Contract Rate up to a $600 per calendar year maximum benefit*; Deductible Applies 60% of Allowed Charges up to a $600 per calendar year maximum benefit*; Deductible Applies (Preventive Care Services) *Charges applied to the $600 calendar year maximum are the combined total of PPO and Non- PPO charges for well baby care and immunizations *Charges applied to the $600 calendar year maximum are the combined total of PPO and Non- PPO charges for well baby care and immunizations Substance Abuse Inpatient $100 co-payment per day up to a maximum copayment of $200 per admission Outpatient 100% after a $10 co-payment per visit 6 ǀ Page

7 Non- Mental Health Inpatient $100 co-payment per day up to a maximum co-payment of $200 per admission Outpatient Supplemental Accident Benefit Not Applicable 100% of Allowable Charges incurred within 90- days of an accident up to $300 for medical and $100 for X-ray and lab services per accident; documentation must be provided to the Trust Fund Office. Deductible does not apply 100% after a $10 co-payment per visit Charges remaining after the supplemental accident benefit has been paid will be subject to normal Plan provisions for Non-PPO claims including coinsurance levels, calendar year deductible, and other applicable Plan provisions. Vision Care Vision Service Plan (VSP) Frequency Exam Glasses/Contact Lenses Spectera/UnitedHealthcare Vision Frequency Customer Service: (800) Exam and glasses (or contact lenses) are available every 12 months $25 co-payment $150 allowance Customer Service (800) Exam and lenses are available every 12 months, frame is available every 24 months. VSP and Spectera provide limited reimbursement, according to a schedule of allowances for exams and materials. Please contact your vision plan for more information. Exam: $10 co-payment Glasses/Contact Lenses: Additional benefits available through either Vision Service Plan or Spectera Vision for an additional premium amount; See Fee-For- Service Benefits Exam Glasses/Contact Lenses $10 co-payment each for exam and materials $130 allowance ($105 for contacts) 7 ǀ Page

8 Non- PLEASE NOTE: If you are enrolled in the Plan and you are not participating in the Reinforcing Smart Choices Program (i.e. you and your covered spouse (or domestic partner) have not obtained a biometric screening or have not submitted your Participant Promise), then you will be in the BASIC PLAN and will be subject to the increased prescription drug co-payments effective January 1, Prescription Drug Coverage Retail 30-day Supply Generic Formulary Premier Plan: $10 co-pay Basic Plan: $15 co-pay Not Covered; limited exceptions for emergency prescriptions $6 co-payment Formulary Brand Name Premier Plan: $20 co-pay Basic Plan: $35 co-pay Not Covered; limited exceptions for emergency prescriptions $12 co-payment Non-Formulary Brand Name or Generic unless Pre-authorization is obtained. If preauthorized, paid as a formulary drug Not Covered; limited exceptions for emergency prescriptions Not applicable Mail Order 90-day Supply Generic Formulary Premier Plan: $20 co-pay Basic Plan: $30 co-pay Not Covered; limited exceptions for emergency prescriptions $12 co-payment Formulary Brand Name Premier Plan: $40 co-pay Basic Plan: $70 co-pay Not Covered; limited exceptions for emergency prescriptions $24 co-payment Non-Formulary Brand Name or Generic unless pre-authorization is obtained. If pre-authorized, paid as a formulary drug. Not Covered Not applicable 8 ǀ Page

9 Medicare Retired Participants Residing in Nevada For Medicare Retirees Choice of Providers Participants can use any provider; however, in order to receive the higher PPO Plan benefits, services must be received from an Anthem Blue Cross contracted provider. Medicare pays primary. Non- Services received from a non- Anthem Blue Cross provider are subject to the non-ppo level of benefits which could result in higher out-of-pocket expenses. Medicare pays primary. Senior Dimensions Choice Plus Participants must go to a Health Plan of Nevada Senior Dimensions provider and each family member may choose a different primary physician UnitedHealthcare Secure Horizons Participants must go to a UnitedHealthcare Secure Horizons provider and each family member may choose a different primary physician Calendar Year Deductible Not applicable Not applicable Not applicable Not applicable Lifetime Maximum Not applicable Not applicable Not applicable Not applicable Annual Out of Pocket Maximum $600 per person $1,800 per person $2,500 per person $1,800 per person Inpatient Hospital (including Physician Services) $250 co-payment per admit 60% of Allowed Charges $100 co-payment per admit Emergency Room & ER Physicians Charges Emergency Ground Ambulance Skilled Nursing Facility * Not subject to the Out-of-Pocket Maximum. 90% of Allowed Amount after a $100 co-payment; Waived if admitted 90% of Allowed Amount after a $50 co-payment 45% of Allowed Amount up to 55 days per disability and admission must occur after a 5-day or more inpatient hospital stay; patient must be admitted to the SNF within 7-days of the hospital discharge* 90% of Allowed Charges after a $100 co-payment; Waived if admitted 90% of Allowable Charges after a $50 co-payment 35% of Allowable Charges up to 55 days per disability and admission must occur after a 5-day or more inpatient hospital stay; patient must be admitted to the SNF within 7-days of the hospital discharge* $25 co-payment $50 co-payment Waived if admitted Days 1-20: Days : $25 co-payment $50 co-payment Days 1-20: Days : $25 co-payment Home Health Care 90% of Allowed Amount 60% of Allowed Charges per Medicare guidelines 9 ǀ Page

10 Medicare Retired Participants Residing in Nevada For Medicare Retirees Physician Office/Home Visits 90% of Allowed Amount after a Non- after a Senior Dimensions Choice Plus UnitedHealthcare Secure Horizons HMO Plan Benefits $5 co-payment Primary Care: $5 co-payment Specialist: Hospice 100% of Allowed Amount 100% of Allowable Charges Covered under Medicare X-ray and Lab 90% of Allowed Amount Outpatient Surgery 90% of Allowed Amount Ambulatory Surgical Centers are limited to a maximum benefit of $350 per day; $50 co-payment per surgery Podiatry Exam 90% of Allowed Amount after a after a $15 co-payment up to 4 self referrals per calendar year Orthotic Appliance 90% of Allowed Amount Maximum benefit payable is 20% of Medicare approved charges Per Medicare guidelines Chiropractic and Acupuncture Chiropractic 90% of Allowed Amount $15 co-payment 50%; Limited to 12 visits per calendar year Acupuncture Outpatient Physical, Respiratory and Speech Therapy 90% of Allowed Amount 90% of Allowed Amount $15 co-payment Limitations apply Routine Preventative Care Exams 100% of Allowed Amount with no maximum calendar year benefit 60% of the Allowable Charges up to a maximum calendar year benefit of $300 Limitations apply Immunizations 100% of Allowed Amount 10 ǀ Page

11 Medicare Retired Participants Residing in Nevada For Medicare Retirees Non- Senior Dimensions Choice Plus UnitedHealthcare Secure Horizons Periodic Female Care Examinations 100% of Allowed Amount with no maximum calendar year benefit 60% of Allowabled Charges up to a maximum calendar year benefit of $300 Pap Tests/Mammogram 100% of Allowed Amount with no maximum calendar year benefit up to a maximum calendar year benefit of $300 Care for Allergies Office Visit/Testing 90% of Allowed Amount after a after a $20 co-payment $5 co-payment/ $10 co-payment Treatment and Serum 90% of allowed amount $10 co-payment Durable Medical Equipment Prosthetics 90% of allowed amount $0 co-payment except for insulin pumps & associated supplies than 20% of Medicare approved charges 20% Orthopedic Braces 90% of allowed amount 20% of Medicare approved charges Other equipment and supplies 90% of allowed amount Hearing Care Exams 100% of Allowed Amount up to a maximum benefit of $100 per calendar year 100% of Allowable Charges up to a maximum benefit of $100 per calendar year Up to 40% discount with Plan providers Hearing Aids 100% of Allowed Amount (Allowed Amount is limited to $2,000 per device)*; limited to coverage once every three years from the date of the last purchase. Your payments made towards allowable charges above the cap do not apply towards your out-ofpocket maximum. 100% of Allowed Amount (Allowed Amount is limited to $2,000 per device)*; limited to coverage once every three years from the date of the last purchase. Your payments made towards allowable charges above the cap do not apply towards your out-of-pocket maximum. See Medicare Retiree $500 allowance for every 36 months 11 ǀ Page

12 Medicare Retired Participants Residing in Nevada For Medicare Retirees Non- Senior Dimensions Choice Plus UnitedHealthcare Secure Horizons HMO Plan Benefits Substance Abuse Inpatient $100 co-payment per admit Outpatient $15 co-payment Individual: Group: $5 co-payment Mental Health Inpatient $100 co-payment per admit Limited to 190-days per lifetime Outpatient $15 co-payment Individual: Group: $5 co-payment Vision Care Vision Service Plan (VSP) Frequency Exam Customer Service: (800) Exam and glasses (or contact lenses) are available every 12 months $25 co-payment VSP and Spectera provide limited reimbursement, according to a schedule of allowances for exams and materials. Please contact your vision plan for more information. Vision benefits available through either Vision Service Plan or Spectera Vision for an additional premium amount; See Benefits Exam: (includes glaucoma testing) Glasses/Contact Lenses: $75 allowance (Medicare covered after a cataract surgery) Covered in lieu of glasses Glasses/Contact Lenses Spectera/UnitedHealthcare Vision Frequency $150 allowance Customer Service (800) Exam and lenses are available every 12 months, frame is available every 24 months. Additional benefits available through either Vision Service Plan or Spectera Vision for an additional premium amount; See Fee-For- Service Benefits Exam $10 co-payment each for exam and materials Glasses/Contact Lenses $130 allowance ($105 for contacts) 12 ǀ Page

13 Medicare Retired Participants Residing in Nevada For Medicare Retirees Prescription Drugs Retail 30 days supply Non- Senior Dimensions Choice Plus 31 days supply UnitedHealthcare Secure Horizons Generic $10 co-payment for preferred generic $6 co-payment for non-preferred generic See benefits Preferred Brand Name $35 co-payment See benefits Non-Preferred Brand Name $40 co-payment $60 co-payment See benefits Mail Order 90 days supply 90 days supply Generic for preferred generic $6 co-payment for non-preferred generic See benefits Preferred Brand Name $40 co-payment $35 co-payment See benefits Non-Preferred Brand Name $80 co-payment See benefits 13 ǀ Page

14 Medicare and (additional premium required for all plans) Choice of Providers Calendar Year Deductible Maximum Calendar Year Benefit Diagnostic, Preventative, Basic and Major Covered Services Orthodontia DENTAL BENEFITS Dental Plan Participants can visit any licensed dentists, however costs are lowest when visiting a Delta Dental PPO Dentist. If participants do not choose to use a Delta Dental PPO Dentist, they still have access to a Delta Dental Premier Dentist. You may pay more when seeing a Premier dentist than a PPO dentist, but still have cost protections that are not available when visiting a non-delta Dental dentist. Delta Dental Customer Service: (800) $50 per person $150 per family PPO network: $3,000 per person Premier network: $2,000 per person Out-of-network: $1,500 per person Limits do not apply to pediatric dental services to age 19 PPO network: 100% for Diagnostic & Preventative, Basic and Major services based on Delta Dental PPO contracted fees Premier network: 100% for Diagnostic & Preventative; 80% for Basic and Major services based on Delta Dental Premier contracted fees Out-of-Network: 80% for Diagnostic & Preventative; 50% for Basic and Major services based on Delta standard non-par reimbursement for non-delta Dental dentists Plan pays 50% of Delta Dental PPO contracted fees up to a lifetime maximum of $1,000 for dependent children only. DeltaCare USA HMO Dental Plan Participants must use an authorized DeltaCare USA HMO Dental Provider DeltaCare USA Customer Service: (800) Not Applicable No Maximum All services must be pre-authorized and referrals are necessary for specialized treatments. Please refer to the enrollment packet for specific co-payment information Members must receive all services from their assigned DeltaCare USA provider. Orthodontic Extractions: $0-$90 co-payment Enrollee Cost (Comprehensive Adult Treatment): $1,900 co-payment Enrollee Cost (Comprehensive Child Treatment): $1,700 co-payment Orthodontic Takeover Covered 14 ǀ Page

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